Call reports 2013
GOLDWATER BANK, NATIONAL ASSOCIATION — 2013
What GOLDWATER BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 126,486,000 | 119,326,000 | 112,516,000 | 102,326,000 |
| Total loans | 74,720,000 | 67,535,000 | 51,343,000 | 47,039,000 |
| Allowance for loan losses | 1,943,000 | 1,301,000 | 1,208,000 | 1,148,000 |
| Securities available for sale | 21,993,000 | 21,008,000 | 20,132,000 | 22,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,653,000 | 111,618,000 | 105,702,000 | 96,554,000 |
| Interest-bearing deposits | 115,651,000 | 108,841,000 | 102,815,000 | 93,883,000 |
| Noninterest-bearing deposits | 3,002,000 | 2,777,000 | 2,887,000 | 2,671,000 |
| Equity capital | 6,657,000 | 6,645,000 | 5,807,000 | 5,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,291,000 | 2,506,000 | 3,463,000 | 4,347,000 |
| Interest expense | 314,000 | 601,000 | 860,000 | 1,097,000 |
| Net interest income | 977,000 | 1,905,000 | 2,603,000 | 3,250,000 |
| Noninterest income | 3,252,000 | 6,329,000 | 8,104,000 | 9,234,000 |
| Noninterest expense | 4,227,000 | 8,214,000 | 11,437,000 | 13,778,000 |
| Provision for loan losses | -400,000 | -400,000 | -400,000 | -400,000 |
| Pretax income | 445,000 | 463,000 | -287,000 | -851,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 445,000 | 463,000 | -287,000 | -851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,822,000 | 5,850,000 | 5,101,000 | 4,537,000 |
| Total capital | 6,584,000 | 6,678,000 | 5,810,000 | 5,117,000 |
| Risk-weighted assets | 59,797,000 | 65,737,000 | 56,222,000 | 45,818,000 |